financial_check
TF Neo
Hey experienced credit card users, need suggestions please
Here are the details of the cards with fees:
Here are the details of the cards with fees:
- SBI CASHBACK
- Annual Fee: INR 999 + GST
- Usage: Online purchases of 70k this month
- Plan to cross 2 lakh spend waiver as the card was received this month
- SBI PRIME Card
- Annual Fee: INR 3000 + GST
- Already spent 3 lakhs, which was waived
- Being kept for lounge access, with the plan to close it next year
- Axis Vistara
- Annual Fee: INR 1500 + GST
- Keeping it for two flight tickets on spends till 1.25 lakhs
- Was able to use this year's flights and has a 10% reward rate till 1.25 lakhs
- Axis Atlas
- Annual Fee: INR 5000 + GST
- Purpose: Travel spends
- Used it till 3.5 lakhs this year, with plans for an international trip
- Expected to reach 7.5 lakhs, which would result in an approximately 25k Atlas EdgeMile and approximately 90k Accor Point stay
- Axis Airtel
- Annual Fee: INR 500 + GST
- Main usage: Airtel wifi recharges and 10% off on utility bill payments, primarily for electricity
- HDFC Millenia
- Lifetime free
- Occasional to minimal use, to be used when the limit of the SBI cashback card is reached for the month
- HDFC Tata Neu Infinity
- First-year-free, then INR 1499 + GST
- Has a spend-based waiver of 3.5 lakhs
- Main usage: UPI spends of 5k per month, zudio spends, and parents' health insurance
- Considered a 'stupid call,' but received 2k neu points on simple ordering
- Uncertainty about keeping it, may close it after year 1